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With the increased banking regulations today, banks are hemmed in on where they can make money and are just waiting for you to make late payments so that they can tighten the interest screws on you. Don’t let them. Start automatic payments on all of your credit cards and loans for the minimum monthly payment. We don’t recommend that you make only the minimum payment, we think you should pay more if you can, but at least the minimum will get in there on time and preclude you being charged extra interest going forward because you were a little late.

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